{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"md13052","title":"Reserve Bank of India (Regional Rural Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13052","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding RBI Directions naming this institution class in the title","layer":"bankpulse_inference"},"applies_to":{"shown":"Regional rural banks","class_code":"RRB","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13052","mode":"four_dates_v1","published":{"label":"Published","value":"Nov 28, 2025","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"","stated":false,"why":"No date to act by was found in this document. Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md13052.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13052","document_date":"Nov 28, 2025","read_by_bankpulse":"2026-08-21 16:18:25 UTC","text_sha256":"235de09b59e3fdf3095b97d0dbb1d50f6af11bc4ec2df90080138e9ffb4be98c","word_count":10171,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":46,"points_naming_an_rbi_paragraph":46,"points_stored":46,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13052-fa692ee8","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a charge card is","plain_english":"A charge card must be paid in full on the due date. No credit rolls over.","rbi_paragraph":"Para 5(8)","rbi_char_offset":5059,"weight":"DO IT","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p1","layer":"bankpulse"},{"n":2,"claim":"md13052-305c6266","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Minimum amount due","plain_english":"The minimum amount due is the least a cardholder must pay to avoid an overdue bill.","rbi_paragraph":"Para 5(17)","rbi_char_offset":6922,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p2","layer":"bankpulse"},{"n":3,"claim":"md13052-1840df20","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These rules came into force at once, on the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":2928,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p3","layer":"bankpulse"},{"n":4,"claim":"md13052-8188b853","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules bind every regional rural bank.","rbi_paragraph":"Para 3","rbi_char_offset":3010,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p4","layer":"bankpulse"},{"n":5,"claim":"md13052-d2b85a48","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"What this book covers","plain_english":"This book covers how credit, debit and co-branded cards are issued and run.","rbi_paragraph":"Para 4","rbi_char_offset":3164,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p5","layer":"bankpulse"},{"n":6,"claim":"md13052-2bcc3df4","page_group":"Chapter I. Preliminary","stored_section":"THE CORE IDEA","heading":"Read with other rules","plain_english":"They are read with RBI's prudential, payment and cyber security directions on cards.","rbi_paragraph":"Para 4","rbi_char_offset":3258,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p6","layer":"bankpulse"},{"n":7,"claim":"md13052-1f8bc9d4","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Add-on card sits inside","plain_english":"An add-on card sits inside the primary cardholder's own limit and liability.","rbi_paragraph":"Para 5(1)","rbi_char_offset":3744,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p7","layer":"bankpulse"},{"n":8,"claim":"md13052-d5d75203","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Annual percentage rate","plain_english":"The annual percentage rate is the yearly cost of credit, interest and all charges together.","rbi_paragraph":"Para 5(2)","rbi_char_offset":3903,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p8","layer":"bankpulse"},{"n":9,"claim":"md13052-510139a8","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a billing cycle is","plain_english":"A billing cycle is the time between the closing dates of two consecutive bills.","rbi_paragraph":"Para 5(3)","rbi_char_offset":4141,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p9","layer":"bankpulse"},{"n":10,"claim":"md13052-670ad402","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Business card is not personal","plain_english":"A business credit card is for business spending. It is not for personal use.","rbi_paragraph":"Para 5(4)","rbi_char_offset":4364,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p10","layer":"bankpulse"},{"n":11,"claim":"md13052-67f9f5ee","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Who a cardholder is","plain_english":"A cardholder is the person the card was issued to, or one authorised to use it.","rbi_paragraph":"Para 5(5)","rbi_char_offset":4406,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p11","layer":"bankpulse"},{"n":12,"claim":"md13052-e9bfe1e0","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Reward programmes defined","plain_english":"A reward programme gives coupons, points, discounts or cash back having money value.","rbi_paragraph":"Para 5(7)","rbi_char_offset":4735,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p12","layer":"bankpulse"},{"n":13,"claim":"md13052-d6bfa590","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a co-branded card is","plain_english":"A co-branded card is issued jointly and carries the names of both partners.","rbi_paragraph":"Para 5(9)","rbi_char_offset":5220,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p13","layer":"bankpulse"},{"n":14,"claim":"md13052-3952dd9c","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Convenience fee","plain_english":"A convenience fee applies where a card is a payment form not ordinarily accepted.","rbi_paragraph":"Para 5(10)","rbi_char_offset":5405,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p14","layer":"bankpulse"},{"n":15,"claim":"md13052-5957536f","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Corporate card liability","plain_english":"On a corporate card the liability may rest with the company, the employee, or both.","rbi_paragraph":"Para 5(11)","rbi_char_offset":5581,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p15","layer":"bankpulse"},{"n":16,"claim":"md13052-ed07af34","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a credit card is","plain_english":"A credit card carries a pre-approved revolving credit limit for goods, services or cash.","rbi_paragraph":"Para 5(12)","rbi_char_offset":5813,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p16","layer":"bankpulse"},{"n":17,"claim":"md13052-f78d1e78","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Credit limit defined","plain_english":"The credit limit is the most revolving credit a cardholder may use on the account.","rbi_paragraph":"Para 5(13)","rbi_char_offset":5990,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p17","layer":"bankpulse"},{"n":18,"claim":"md13052-bdc9e0a4","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"What a debit card is","plain_english":"A debit card is tied to a savings or current account and draws on that account.","rbi_paragraph":"Para 5(14)","rbi_char_offset":6205,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card","deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p18","layer":"bankpulse"},{"n":19,"claim":"md13052-304452f2","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Interest free period","plain_english":"The interest free period holds only if the whole outstanding is paid by the due date.","rbi_paragraph":"Para 5(16)","rbi_char_offset":6729,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p19","layer":"bankpulse"},{"n":20,"claim":"md13052-2a30f173","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Most important terms","plain_english":"The most important terms set out the duties of both the card issuer and the holder.","rbi_paragraph":"Para 5(18)","rbi_char_offset":7119,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p20","layer":"bankpulse"},{"n":21,"claim":"md13052-ff59091d","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Total amount due","plain_english":"The total amount due is the full sum payable on that cycle's statement.","rbi_paragraph":"Para 5(21)","rbi_char_offset":7603,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p21","layer":"bankpulse"},{"n":22,"claim":"md13052-3b76e0da","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Unsolicited card defined","plain_english":"A card issued without a written or digital request is an unsolicited card.","rbi_paragraph":"Para 5(22)","rbi_char_offset":7723,"weight":"BACKGROUND","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p22","layer":"bankpulse"},{"n":23,"claim":"md13052-16b03d81","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Renewal is not unsolicited","plain_english":"Renewing or replacing an existing card is not treated as an unsolicited card.","rbi_paragraph":"Para 5(22)","rbi_char_offset":7874,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p23","layer":"bankpulse"},{"n":1,"claim":"md13052-dd428397","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Unactivated card closure","plain_english":"An unactivated card must be closed free of cost within seven working days, if the customer gives no consent.","rbi_paragraph":"Para 11(6)","rbi_char_offset":13865,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p24","layer":"bankpulse"},{"n":2,"claim":"md13052-c98b32cb","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Over-limit consent","plain_english":"Banks cannot let a customer go over their credit limit without the customer's explicit consent.","rbi_paragraph":"Para 12(5)","rbi_char_offset":17992,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p25","layer":"bankpulse"},{"n":3,"claim":"md13052-ff9c7035","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Seven-day closure rule","plain_english":"Banks must close a credit card within seven working days of the customer's request.","rbi_paragraph":"Para 19","rbi_char_offset":21508,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p26","layer":"bankpulse"},{"n":4,"claim":"md13052-8df9e982","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"₹500-a-day penalty","plain_english":"Late closure of a card costs the bank ₹500 per day, paid to the customer.","rbi_paragraph":"Para 19","rbi_char_offset":22343,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A cardholder asks to close the card and the account has nothing outstanding. The closure takes 10 days longer than it should. The customer is owed ₹500 for each of those days, which is ₹5,000.","anchor":"https://bankpulse.ai/rule/md13052#p27","layer":"bankpulse"},{"n":5,"claim":"md13052-0f698758","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"KEY DATES","heading":"Thirty days to update","plain_english":"Closure of a card account must be updated with credit information companies within 30 days.","rbi_paragraph":"Para 20","rbi_char_offset":23411,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p28","layer":"bankpulse"},{"n":6,"claim":"md13052-7683fbe8","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Minimum due floor","plain_english":"The minimum amount due must not be less than ₹250 so that interest is not capitalised.","rbi_paragraph":"Para 23(2)","rbi_char_offset":27260,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p29","layer":"bankpulse"},{"n":7,"claim":"md13052-fac71e46","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Three-day late fee rule","plain_english":"Banks can charge late fees only after a bill is three days overdue.","rbi_paragraph":"Para 23(5)","rbi_char_offset":28392,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p30","layer":"bankpulse"},{"n":8,"claim":"md13052-0f90708a","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Billing dispute deadline","plain_english":"Banks must answer a billing dispute within 30 days.","rbi_paragraph":"Para 25","rbi_char_offset":30830,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p31","layer":"bankpulse"},{"n":9,"claim":"md13052-13d9525f","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHO SHOULD ACT","heading":"Board-approved card policy","plain_english":"Each bank must have a board-approved policy for issuing and running credit cards.","rbi_paragraph":"Para 8","rbi_char_offset":9051,"weight":"DO IT","role":"Board","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p32","layer":"bankpulse"},{"n":10,"claim":"md13052-88234efa","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHO SHOULD ACT","heading":"Withdraw the credit report","plain_english":"Credit information already reported for an inactivated credit card must be withdrawn at once.","rbi_paragraph":"Para 11(7)","rbi_char_offset":15309,"weight":"DO IT","role":"Compliance","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p33","layer":"bankpulse"},{"n":11,"claim":"md13052-c1141aec","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Quote the annual rate","plain_english":"Card issuers must quote annualised percentage rates for purchases, transfers, cash advances and default.","rbi_paragraph":"Para 23(1)","rbi_char_offset":25638,"weight":"DO IT","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p34","layer":"bankpulse"},{"n":12,"claim":"md13052-dc963e9d","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Unsolicited card penalty","plain_english":"Sending an unsolicited card that gets billed costs the bank twice the charges as penalty.","rbi_paragraph":"Para 11(4)","rbi_char_offset":12109,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p35","layer":"bankpulse"},{"n":13,"claim":"md13052-8f274273","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Charges outside the limit","plain_english":"Interest and fees are not counted when working out limit usage or overlimit charges.","rbi_paragraph":"Para 12(5)","rbi_char_offset":18735,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p36","layer":"bankpulse"},{"n":14,"claim":"md13052-7f07c81e","page_group":"Chapter II. Conduct of Credit Card Business","stored_section":"WHAT CHANGES","heading":"Unused card closure","plain_english":"A card unused for over a year starts a closure process, after the customer is told.","rbi_paragraph":"Para 20","rbi_char_offset":23086,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p37","layer":"bankpulse"},{"n":1,"claim":"md13052-19ac7d6d","page_group":"Chapter III. Issue of Debit Card by Banks","stored_section":"WHAT CHANGES","heading":"Debit card is optional","plain_english":"A bank cannot force a debit card on a customer or tie it to another facility.","rbi_paragraph":"Para 48","rbi_char_offset":42139,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p38","layer":"bankpulse"},{"n":2,"claim":"md13052-767ad1f6","page_group":"Chapter III. Issue of Debit Card by Banks","stored_section":"WHO IT APPLIES TO","heading":"Debit card condition","plain_english":"Banks can issue debit cards only to customers with a savings or current account.","rbi_paragraph":"Para 46","rbi_char_offset":41797,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":["credit-card","deposit-account"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p39","layer":"bankpulse"},{"n":1,"claim":"md13052-7f6f5c22","page_group":"Chapter V. Co-branding Arrangement","stored_section":"WHAT CHANGES","heading":"Co-branded cards","plain_english":"Banks don't need RBI's prior approval to launch co-branded cards, if they meet set conditions.","rbi_paragraph":"Para 54","rbi_char_offset":43744,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p40","layer":"bankpulse"},{"n":1,"claim":"md13052-6b8bdb8d","page_group":"Chapter VI. General Guidelines for Credit and Debit Cards","stored_section":"WHAT CHANGES","heading":"Grievance officer on bills","plain_english":"Every card bill must list the grievance officer's name and contact details.","rbi_paragraph":"Para 83","rbi_char_offset":54684,"weight":"DO IT","role":"All staff","team":null,"products_covered":["credit-card"],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p41","layer":"bankpulse"},{"n":1,"claim":"md13052-5972649e","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Older rules cancelled","plain_english":"This document cancels the earlier conduct rules for these institutions.","rbi_paragraph":"Para 93","rbi_char_offset":63258,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p42","layer":"bankpulse"},{"n":2,"claim":"md13052-7fbea917","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old actions preserved","plain_english":"Anything already done under the old rules stays governed by those old rules.","rbi_paragraph":"Para 94","rbi_char_offset":63486,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p43","layer":"bankpulse"},{"n":3,"claim":"md13052-ae84b68d","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Approvals carried over","plain_english":"Approvals given under the cancelled rules are now treated as given under these rules.","rbi_paragraph":"Para 94","rbi_char_offset":63676,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p44","layer":"bankpulse"},{"n":4,"claim":"md13052-cb5408f8","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"IMPACT","heading":"Other laws still apply","plain_english":"These Directions add to other laws. They do not replace any of them.","rbi_paragraph":"Para 95","rbi_char_offset":64556,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p45","layer":"bankpulse"},{"n":5,"claim":"md13052-13edf821","page_group":"Chapter VIII. Repeal and Other Provisions","stored_section":"WHO SHOULD ACT","heading":"RBI's reading final","plain_english":"RBI's interpretation of any part of these Directions is final and binding.","rbi_paragraph":"Para 96","rbi_char_offset":65007,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13052#p46","layer":"bankpulse"}],"actions":[],"amendments":[],"layers":{"rbi_source":"Facts taken from RBI's own document.","bankpulse":"BankPulse's plain-English summary of RBI's document.","bankpulse_inference":"BankPulse's own inference, not stated by RBI."},"rbi_wording_not_included":"By design. BankPulse never republishes RBI's exact sentences. Use rbi_paragraph with rbi_source.url to read RBI's own words.","terms":"BankPulse's plain-English summaries are BankPulse's own work. The underlying regulation is the Reserve Bank of India's. Always check the RBI document named in rbi_source before acting."}